***Index is the PRIME RATE or 6% whichever is more. Prime rate is currently 7.50% Credit union rate will not go below 6.25% (with discount)

****Max LTV for owner occupied is 80% up to $100k. Max LTV for non-owner occupied is 70%. Rate for non - owner occupied is index plus 1.25%. Rate reduction for adjustable rate home equity loan is 0.25% for direct deposit of net pay.

All third party fees may be included in the initial loan advance.

NOTE: RATES ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE.

ALL OF THE ABOVE LOAN PERCENTAGE RATES WILL BE BASED ON CREDIT QUALIFICATION